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Comparison of Deposit Account from Community Bank, National Association with 0.05% - August 2025


Long-Term Analysis of The Stock Exchange Bank, Caldwell, Kansas with 1.31% APY and Community Bank, National Association with 0.05% APY and Nicolet National Bank with 4.00% APY and Citizens Savings Bank with 0.85% APY and First Federal Savings and Loan Association of Lakewood with 4.75% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    The Stock Exchange Bank, Caldwell, Kansas
    1.31%
    -
    $50,000
    48 Month
    Bank
    1.60x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 2
    LOCAL CD
    Community Bank, National Association
    0.05%
    -
    $50,000
    12 Month
    Bank
    0.09x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 3
    LOCAL CD
    Nicolet National Bank
    4.00%
    -
    $50,000
    12 Month
    Bank
    7.25x (National Avg. - 0.55%)
    $2,500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 4
    LOCAL CD
    Citizens Savings Bank
    0.85%
    -
    $50,000
    60 Month
    Bank
    0.92x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 5
    LOCAL CD
    First Federal Savings and Loan Association of Lakewood
    4.75%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,375 1,663
    2 52,375 2,488 1,741
    3 54,863 2,606 1,824
    4 57,469 2,730 1,911
    5 60,199 2,859 2,002
    6 63,058 2,995 2,097
    7 66,053 3,138 2,196
    8 69,191 3,287 2,301
    9 72,477 3,443 2,410
    10 75,920 3,606 2,524
    11 79,526 3,777 2,644
    12 83,304 3,957 2,770
    13 87,261 4,145 2,901
    14 91,406 4,342 3,039
    15 95,747 4,548 3,184
    16 100,295 4,764 3,335
    17 105,059 4,990 3,493
    18 110,050 5,227 3,659
    19 115,277 5,476 3,833
    20 120,753 5,736 4,015
    TOTAL $76,488 $53,542

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

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